NAMIC's Insurance Uncovered

Today, we're uncovering the winning innovative submission for the 2026 Award in Innovation, sponsored by Guy Carpenter. NAMIC CEO Neil Alldredge talks with Charlie Wendland, Branch's chief claims officer, about his team's initiative to transform first notice of loss process efficiency through artificial intelligence. This episode is sponsored by Holborn.Register for the Agricultural Risk Conference.Read Lindsey Stephani's "Pro Se and Trial Bar Use of AI."

Today, we're wrapping up our series of revisiting some of our most-listened-to Unscripted segments of 2025. We’re returning to a topic that not everyone thinks about or talks about but it critical in our data-driven industry … data governance. NAMIC CEO Neil Alldredge chatted with Data Governance Institute founder Gwen Thomas. They talk about how and why data governance is everyone’s responsibility.Today's episode is sponsored by Holborn. 

Today, we’re revisiting another one of 2025’s most popular episodes. This Unscripted segment uncovers some of the early misconceptions about artificial intelligence. NAMIC CEO Neil Alldredge spoke with Lindsey Klarkowski Stephani, NAMIC's resident AI expert.Today’s episode is sponsored by Holborn.

Today, we’re revisiting another one of 2025's most popular episodes. This particular Unscripted segment uncovers an advocacy topic that generated a lot of attention last year: subrogation. NAMIC CEO Neil Alldredge spoke with Zelle attorney Steve Badger about this important legal recovery process.Today's episode is sponsored by Holborn.

Today, we’re revisiting another one of the most listened-to Unscripted segments in the past year. This segment highlights the importance of relationships and just how close knit the mutual insurance industry can be. NAMIC CEO Neil Alldredge spoke with Michael Bourque and Matt McHatten, two member company CEOs who have know each other since Cub Scouts.Today's episode is sponsored by Holborn. 

Today, we’re revisiting another one of the most listened-to Unscripted segments in the past year or so. NAMIC CEO Neil Alldredge's talked with Adam Manus, Holborn’s president and chief brokerage officer, about global liquidity and how it had been shaping the reinsurance market conditions. Today’s episode is sponsored by Holborn.

Today, we're uncovering one of our most-listened-to "Unscripted" segments. Listen to Neil Alldredge, NAMIC's president and CEO, and Frank Harrison, Holborn's chairman of the board and CEO, discuss Holborn's book "Beat the Clock: How the Property Catastrophe Underwriting Cycle Works."This episode is sponsored by Holborn.

Today we're uncovering...How NAMIC is urging the White House to tackle rising insurance costs—without undermining state-based regulation.And why proposed insurance reforms in states like New York and Illinois could have major consequences for consumers and market stability.Today's episode is sponsored by Holborn.

Today we're uncovering...A major insurance bill in Oregon narrowly fails after concerns about expanded bad faith litigation.Rhode Island lawmakers hear warnings that proposed bad faith legislation could drive insurers out of the state.A federal judge raises red flags about third-party litigation funding and its impact on the court system.Congress takes up critical questions around autonomous vehicle safety, liability, and insurance readiness.Today's episode is sponsored by Holborn.

Today we’re uncovering… How potential changes to FEMA could reshape disaster response—and what insurers need to prepare for now. Plus, why a new South Dakota bill could leave wildfire victims with little recourse. Today's episode of Insurance Uncovered is sponsored by Holborn. 

Today we’re uncovering… Legislative sessions are heating up, and NAMIC’s advocacy team is on the front lines - often as the only voice - stopping bad ideas and driving forward the ones that matter. Plus… meet NAMIC’s new Chair.  We’ll chat with FMNE Insurance Company CEO Mark Walz about how he hopes to serve the industry in the year ahead. Today's episode of Insurance Uncovered is sponsored by Holborn.

Today we’re uncovering…Florida lawmakers take aim at artificial intelligence in insurance. We’ll explain what new oversight could mean for carriers and claims handling.Plus, Michigan’s no-fault reform is paying off—drivers are seeing nearly 19% premium reductions. What’s behind the savings?And, a new survey reveals consumers want action on lawsuit abuse as legal costs drive premiums higher.Finally, on Unscripted, NAMIC CEO Neil Alldredge talks with Jimi Grande to spotlight key issues in Washington—like stopping the GSEs’ costly mandate driving up housing costs. Today's episode is sponsored by Holborn.

Today we're uncovering...The end of the government shutdown and what it means for the National Flood insurance program. Plus, a tale of true leadership.  Grinnell Mutual CEO Jeff Menary reflects on decades of industry leadership as he prepares for retirement Today's episode is sponsored by Holborn.

Today we're uncovering...Wildfire mitigation. The NAMIC-supported legislation to "Fix Our Forests" takes an important step forward.Plus, we talk with two member company CEOs from Maine about the importance relationships within the mutual insurance industry.Today's episode is sponsored by Holborn.

Today we're uncovering...The 2025 Mutual Factor - We'll discuss how the industry has fared in this new era of risk.Plus, lawmakers are taking a closer look at insurers' use of artificial intelligence. How laws and regulations already protect consumers from potential AI errors.Today's episode is sponsored by Holborn.

Today we're uncovering...How a government funding lapse would impact the National Flood Insurance Program and those who depend on its coverage.The Terrorism Risk Insurance Act is up for reauthorization.  How NAMIC is leading the effort for it's long-term extension.We dive into Guy Carpenter's comprehensive analysis of mutual large loss development.Today's episode is sponsored by Holborn.

Episode 815: Insurance companies rely on data to optimize performance, mitigate risk, and meet the rising expectations of consumers… but new questions are being raised about what happens when there’s a lack of data or missing data?   On today’s Unscripted… Neil Alldredge, president and CEO of NAMIC, sits down with Lindsey Klarkowski, policy vice president of data science, AI/ML, and cybersecurity at NAMIC, to better understand how insurers are tackling this emerging issue. Today's episode is sponsored by Holborn.

Episode 814:  Today we're uncovering accident fraud prevention. We’ll talk with the Coalition Against Insurance Fraud's Brent Walker about the growing problem and what lawmakers are doing to stop it.Today's episode is sponsored by Holborn.

Episode 813: Today we're uncovering a wildfire in Oregon that nears 'megafire' status.  A look at this phenomenon that is occurring more frequently.  Plus, disaster mitigation solutions continue to be a key focus for state legislators. How they're addressing extreme weather challenges in a new era of risk.Today's episode is sponsored by Holborn.

Episode 812:  Today we’re uncovering, what President Donald Trump’s tax and spending cuts bill means for insurers and how NAMIC helped maintain stability for the state-regulated industry. Plus, NAMIC’s Award in Innovation goes to West Bend Insurance Company.  How the organization's new technology is making a difference for agents and policyholders alike.Today's episode is sponsored by Holborn.

Episode 811: Legal reform has also been a major topic of debate this year among state legislators, especially in the Southeast. On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Caitlin Murray,  senior regional vice president at NAMIC, about the biggest advocacy changes to come out of the region during the 2025 legislative sessions.Today's episode is sponsored by Holborn.

Episode 810: Holborn has released a new thesis describing how today’s reinsurance market conditions are being shaped by global liquidity rather than the traditional feast-and-famine pattern tied to loss cycles. On today's Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Adam Manus, president and chief brokerage officer at Holborn, about what's driving the current reinsurance market cycles.Today's episode is sponsored by Holborn.

Episode 809: Today we're uncovering Louisiana insurance reform, the proposals aimed at reducing consumer cost and why many may not accomplish that desired effect. Then later on today's Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Dale Porfilio, president of the Insurance Research Council and chief insurance officer at Triple I, about a new study examining the dramatic rise in uninsured and underinsured motorists. Today's episode is sponsored by Holborn.

Episode 808: Capital markets for 2024 were nothing short of interesting. NAMIC’s latest PIPES Report is now available, which benchmarks property/casualty investment objectives, strategies, and performance. On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Chris Myers, senior strategist at New England Asset Management, about how insurers’ investment portfolios fared in 2024.Today's episode is sponsored by Holborn.

Episode 807:  A shift in Colorado’s approach to funding wildfire insurance may bring new costs to policyholders. Lawmakers are now considering a fee-based model in revised legislation, after NAMIC encouraged state Insurance Commissioner Michael Conway to discard earlier efforts to impose strict loss ratio requirements on home insurers.Plus, there's a new insurance commissioner in Missouri.  On today's Unscripted, we sit down with Angie Nelson to break down the state's insurance market and what's ahead for Missouri insurers and policyholders.This episode of the Insurance Uncovered is sponsored by Holborn.

Episode 805: Insurance is an increasingly data driven industry, but an effective data governance plan can only be as good as a company’s data is accurate. On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Gwen Thomas, data strategist and founder of the Data Governance Institute,  about what it means to have good data hygiene.This episode of the Insurance Uncovered is sponsored by Holborn.

Episode 806: – The National Association of Insurance Commissioners hosted its Spring meeting in Indianapolis last week.  While the event was lighter in content, there were still several important matters to discuss.Stepping in for Neil this week on our Insurance Unscripted segment, Erin Collins,  senior vice president - state and policy affairs for NAMIC, talks with three of NAMIC’s policy vice presidents about the NAIC’s top priorities for the coming year.This episode of the Insurance Uncovered is sponsored by Holborn.

Episode 804: Georgia Gov. Brian Kemp has introduced tort reform legislation to curb legal system abuse, including a key measure that requires transparency for third-party litigation funding.On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Kade Cullefer, representing the American Tort Reform Association and Georgia Defense Lawyers, about why the legislation could be a positive step forward for Georgians. This week's episode is sponsored by Holborn.

Episode 803: Today we’re uncovering subrogation. We'll sit down with Steve Badger, attorney at Zelle, to discuss why the legal recovery process is important for insurers and how a Supreme Court decision in Hawaii prohibiting this measure could set a dangerous precedent.Plus, California approves FAIR Plan request to assess insurers $1 billion for wildfire claims. How the assessment highlights the pressing need for regulatory reform in the state.This week’s episode is sponsored by Holborn.

Episode 802: Less than a month into the new Congress, NAMIC has started to see results on key legislative issues in Washington. Plus on today's Unscripted, we'll meet NAMIC’s new Chair, Ohio Mutual Insurance Group’s CEO Mark Russell and discuss how he hopes to serve the industry in the year ahead.This week’s episode is sponsored by Holborn.

Episode 801: Hear the latest on the wildfires in California. Plus, nowhere is there more need to separate fact from fiction than in insurance policy, specifically when it comes to the use of big data, artificial intelligence, and risk-based pricing.On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Lindsey Klarkowski, policy vice president, to dispel some of the common misconceptions around Artificial Intelligence. This podcast is sponsored by Holborn.

Holborn - NAMIC's Insurance Uncovered sponsor - is also sponsoring a new book called "Beat the Clock - How the Property Catastrophe Underwriting Cycle Works." On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Frank Harrison, Chairman of the Board and CEO of Holborn, about the new educational resource that will serve generations of risk professionals for years to come.

Episode 719: On today's Unscripted... we're taking a closer look at the 2024 election results. Neil Alldredge, president and CEO of NAMIC, talks with Jimi Grande, senior vice president of federal and political affairs at NAMIC,  about how the results could bring change to the property/casualty insurance industry and what opportunities may be ahead with a new administration and Congress. This week's episode is sponsored by Holborn.

Episode 718:  The impact of PFAS - or "forever" - chemicals on human health is a subject of increasing debate with implication for the insurance industry.  The widespread presence of the substances has become a focal point of regulatory action and litigation. On today's Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Tim Fletcher, senior emerging issues specialist at Gen Re, about the issue's potential impact on the industry.This episode of NAMIC’s Insurance Uncovered is sponsored by Holborn.

Episode 717: The Treasury Department’s Federal Insurance Office recently hosted a roundtable discussion on insurers' use of artificial intelligence. Rachel Jrade-Rice, general counsel for NEXT Insurance, represented the mutual insurance industry at the event. On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Jrade-Rice about some of the benefits and challenges associated with the technology. This episode of NAMIC's Insurance Uncovered is sponsored by Holborn.

Episode 716: NAMIC and Aon have partnered once again to release the 2024 Mutual Factor report. On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Pat Abbe, executive managing director at Aon, and Sarah Schnettler, senior vice president of member experience at NAMIC, about the impact of the past 24-30 months on the mutual insurance industry.This episode of NAMIC's Insurance Uncovered is sponsored by Holborn.

Episode 715: NAMIC recently attended the Governors’ Highway Safety Association annual meeting where AAA Missouri received the Peter K. O’Rourke award for outstanding roadway safety advocacy.  On today’s unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Angie Nelson, vice president of public and government affairs at AAA Missouri, about the company’s efforts to prevent distracted driving through a comprehensive public awareness campaign and statewide legislation.This episode of NAMIC's Insurance Uncovered is sponsored by Holborn.

Episode 714:  The Mutual Group is an innovative new insurance platform designed to specifically help mutual insurance carriers improve their operational efficiency.On today’s Unscripted, Neil Alldredge, president and CEO at NAMIC, talks with Tim Fleming, CEO at The Mutual Group, about what makes the company unique among mutuals. This episode of NAMIC's Insurance Uncovered is sponsored by Holborn.

Episode 713: NAMIC hosted a Congressional briefing to educate lawmakers on the state of electric vehicle markets and the unique aspects of EV technology that impact its insurability. On today’s Unscripted, NAMIC’s Neil Alldredge, CEO of NAMIC, talks with Ryan Mandell, director of claims performance at Mitchell, about the briefing and key considerations for insurers and lawmakers as more data becomes available about EVs and their use.Guy Carpenter: Scenario Testing Our Mutual Future - Year Three

Episode 712: In the mutual industry’s centuries-old history, insurers have adapted to the ever-changing environment.  On today’s Unscripted, NAMIC CEO Neil Alldredge talks with Pennsylvania Lumbermens Mutual CEO John Smith about the state of the market and where mutual insurers should be looking for opportunities to grow all while providing a superior customer experience. 

Episode 711: On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Mike Gerber, president and CEO of Builders Mutual, about the company's creative approach to improve jobsite safety for construction workers and employees.  Builders Mutual's Jobs-Site Safety Institute has been recognized as the 2024 overall winner of NAMIC’s Award in Innovation.

Episode 710: On today's Unscripted Neil Alldredge, NAMIC president and CEO, talks with Andy Gerlach, Randolph Mutual manager, about why public service is a vital character trait for mutuals.Read more about Andy Gerlach in the latest edition of NAMIC's IN Magazine.

Episode 709: On today's Unscripted, Neil Alldredge, NAMIC president and CEO, talks with Brian Dix, executive director of the Mutual Insurance Association of Iowa, about severe weather in the Midwest and how the insurance industry is supporting policyholders through these crises.

Episode 708: The insurance industry plays a vital role in our financial security and societal progress. Yet, translating innovative ideas into real impact can be a challenge. On today's Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Phil Budden, senior lecturer at the Massachusetts Institute of Technology, about the critical link between innovation and the well-being of insurance companies and the communities they serve.

Episode 707: It’s more important than ever to get politically involved this election year. NAMIC talks with Randa Rawlins, retired president and CEO of Shelter Insurance, about how you can make a difference with state and federal legislators and regulators on behalf of the insurance industry. 

Episode 706: Tornadoes have historically peppered the Great Plains states, but scientists now say the destructive storms appear to be shifting east. At least 22 tornadoes have been reported this week between the Plains and Midwest. However, this shifting severe weather trend isn’t the only one insurers are keeping an eye on. On today’s Unscripted… NAMIC CEO Neil Alldredge talks with Guy Carpenter’s Kris Kaminski and Kim Roberts about ways risk managers are adapting to weather trends and other critical issues affecting the insurance industry. 

Episode 705: The Insurance Institute for Highway Safety is making it tougher to earn its TOP SAFETY PICK awards this year. On today’s Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with David Harkey, president of IIHS, about the challenge for auto manufacturers to offer better protection for backseat passengers and pedestrians.

Episode 704: On today's Unscripted, Neil Alldredge, president and CEO at NAMIC, talks with Bryan Falchuk, president and CEO at PLRB, to discuss how the industry is navigating the risks and opportunities of using generative AI in insurance. 

 Episode 703: On today's Unscripted, NAMIC CEO Neil Alldredge talks with Florida Insurance Commissioner Mike Yaworsky about changes to the state's unique insurance market during his first year in the role.

Episode 702: The January property reinsurance renewal has set the stage for an interesting year ahead. On today’s Unscripted, Neil Alldredge, NAMIC president and CEO, talks with Aon’s Brad Melvin and Patrick Abbe about the shifting market dynamics and what we can expect in 2024.